Know if Fire Is Covered by Your Homeowners Insurance in Glendale, AZ

Fire coverage is insurance that covers the cost of damage done to your property and other losses after a fire. It’s usually linked to your homeowners’ insurance in Glendale, AZ, but it’s always important to speak to your provider to discuss any possible exclusions. Fire insurance should provide coverage for lodging and meal expenses if the fire has destroyed your home. Some policies will handle the costs for detached buildings, such as sheds and even landscaping.

There are a few things to be mindful of when the company sends a claims adjuster. First, be sure to take pictures of all the damage, and then when the claims adjuster arrives, verify their identity. Last, once you receive an estimate, be sure to review everything and compare it to your homeowners’ insurance policy to make sure it matches the coverage you paid for. This is an excellent way to raise questions about anything that may not be covered.

What does fire insurance not cover?

There are exceptional circumstances like war, nuclear damage, or other associated perils that are not covered by fire insurance. Arson (when someone sets fire to their property deliberately) and a vacant house (for more than 30 days) are often also not covered by fire insurance. Premiums can always be purchased separately from your homeowner’s insurance to cover these particular cases; however, each company and region has different policies that are useful to bear in mind.